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Once you’ve completed your loan application, most lenders will fund your loan within one to two business days.
How much you can borrow with a personal loan depends largely on your debt-to-income ratio, which is how much of your monthly income goes to paying ongoing obligations like your rent, car payment, or credit card bills. Many lenders also have minimum credit score requirements.
The upper limits for personal loans vary by lender but typically fall in the $35,000 to $50,000 range. However, lenders in the Credible marketplace offer personal loans to qualified borrowers up to $100,000.
Using Credible to check your rates doesn’t affect your credit score. That's because Credible's prequalification process uses a soft credit inquiry that allows you to see personalized rates without you having to apply for a loan.
If you see an option with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit inquiry when you apply for the loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five points.
If you receive prequalified rates for a personal loan through Credible, you’ll see a dashboard providing the loan options available to you from our partner lenders.
There is no obligation to proceed with any of the options presented on your dashboard. If you see an option you like, simply select it and you’ll be prompted to complete the loan application.
Most personal loans are unsecured, which means it doesn’t require you to provide collateral, such as your home or automobile, to the lender as security for repayment.
Read more: How to Get an Unsecured Personal Loan
Every lender has its own methods of evaluating borrowers and determining rates, so it’s a good idea to get rates from more than one lender. Generally, the shorter the loan term, the lower the interest rate offered by most lenders. Some lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your bank account.
Credible allows you to shop for prequalified rates across a number of top lenders.
Read more: Who Are the Best Personal Loan Lenders?
Yes. In fact, personal loans offer many debt consolidation benefits.
For example, they offer lower interest rates than credit cards, so it’s easy to reduce the overall interest you pay if you use a personal loan to consolidate your debt. Many credit cards also carry variable rates, which can cause the amount you pay in interest to fluctuate as rates change. Personal loans, however, typically offer fixed-rates which will keep your monthly payment consistent.
Read more: Best Loans for Debt Consolidation
You’re typically not limited in how you can use your personal loan funds. Personal loans can be used to pay down high-interest credit card debt, meet unexpected needs like medical bills, take care of a major expense like a new refrigerator, or fund home improvement projects.